Frequently Asked Questions

General questions about Pathway Properties, the homes we have available for purchase, and how our Pathway Process works.

Image by Gerd Altmann from Pixabay

What does Owner Financing actually mean?

Most home purchases use some kind of financing to fund the majority of the price of the home. Often, this involves a traditional lender like a bank (mortgage). However, when putting the home up for sale, the seller of the home may elect to finance their buyer’s purchase of the house themselves instead. This normally occurs to allow a prospective buyer who cannot obtain funding through a conventional mortgage lender to still pursue their purchase of the property. Essentially, when we offer a home for sale via our Pathway Process, we are taking the place of the bank, and qualifying you in a more practical way, providing you with the opportunity to secure funding through us directly for the purchase of your new home.

We routinely help lots of folks like you to purchase the home of their dreams, whether it be in Cincinnati, Dayton, or somewhere in between the two, through our Pathway Process.

Fill out the form to the right to get started on your way to homeownership!

What does the Owner Financing process look like?

The owner financing process is actually fairly simple.

It all starts with (like most things in adult life) some paperwork! If you see a property that we have available for purchase that says “HOME” to you, you’ll fill out our application form. Don’t worry – we help people with all kinds of credit and in all different kinds of financial situations – it all comes down to: if you bring in enough income to make the normal monthly payments, and you have enough money on hand for the down payment, then chances are very high that we will help you to own it.

Rather than making you jump through seventeen hoops, we help you avoid the hassle of bank qualifying and streamline the process to home ownership. This is pretty obvious, but we’ll say it here anyway – as stated above, you will need to be able to pay your down payment upfront, and to afford your monthly payments. We’ll ask for proof of funds and household monthly income to verify that you do have the ability to make the monthly payments. This step is for your protection so we know you will be able to afford the home you want (because, let’s be honest, most of us might, on rare occasion, like to stretch ourselves a little too thinly to try and buy something we really want, and we end up biting off more than we can chew, so it’s always good to have experienced eyes review it all for peace of mind).

So yeah, that’s the process in a nutshell!

The first stepsign up to start your Pre-Qualification and see the great homes we have available, just by filling out the form to the right.

You’ll get immediate access to some fantastic Cincinnati and Dayton homes, plus a whole lot more.

Sign up and get started now!

What if I have bad credit? Can I still get a home with Owner Financing?

Yes, you can! Many people with bad credit can still buy a home without a bank.

Every person’s situation is unique, but we specialize in helping people who have been through any number or combination of tough circumstances (or just made mistakes in the past, as we all do) to get started on the path to a great financial future and home ownership.

So fill out the form at the bottom of this page now and let us introduce you to your piece of the American dream!

What are the benefits of Owner Financing?

There are a lot of benefits to using owner financing!

In the Cincinnati and Dayton areas, lots of smart people are using owner financing as a way to buy the home of their dreams without having to qualify for a bank loan. It is a fantastic tool for entrepreneurs with their own small businesses and any kind of contractors who earn their income primarily through 1099 pay. There’s also the fact that you’re saving thousands on closing costs or points that are standard when dealing with a traditional mortgage or lender.

As you probably know, ever since the last major market crash, and especially over the last few years, banks have been very strict and narrow on their lending criteria. We, however, believe it is important to consider the whole picture of a person’s financial history, health, and present status. If you have the money to make a down payment, and you earn enough income to afford the payments on the home, then you’ve already checked the most important boxes to qualify for a loan to buy a home with us!

So don’t wait! Get started now by filling out the form at the bottom of this page.

What if I have little or no W2 income? Can I still qualify?

YES! When it comes to income, we know very well that W2 income is not the end-all, be-all when earning a living. If you primarily earn your living via 1099 pay, we know what that is, what it means, and how to work with you to qualify you to buy a home with us. You might have W2 income, but since you’re a small business owner, any losses for the year get deducted from your W2 income, disqualifying you with the bank. If that sounds like you, then you’re in the right place. We frequently work with people just like you, and get them matched up to the perfect home, allowing them to fulfill their dream of becoming a Homeowner!

Is there a required down payment?

Yes, but we can be very flexible.

Our Dayton and Cincinnati homes range in price from $174,900 to $499,900 and typically require a down payment of 20%-30%. We have found that this is the best price range to find homes that are in decent neighborhoods where people want to own a home and raise a family. We occasionally have very high-end homes with 5+ bedrooms over the $500,000 mark, for anyone with a large family, or who just loves having a lot of space in their home. No matter what you’re looking for, we can probably get you matched up.

So don’t wait! Get started now by filling out the form at the bottom of this page.

What are the requirements of an Owner Financing arrangement?

We know that every person, family, and the situation is different.

We have spent many years in the real estate businesses, learning all different kinds of creative solutions to help you and others like you to own the home of your dreams.

As a necessary first step, you’ll fill out our basic application to get Pre-Qualified for one of our homes. Then, after you’ve been pre-qualified, you can take a look at our available homes and find the perfect home! At this point, you’ll fill out a much more detailed application that will include more information on everyone living in the home and all relevant credit and income details.

Next, we’ll conduct a credit check and verify the household income for everyone over 18 living in your household to confirm that you’ll be able to make your monthly payment and can fully qualify.

We’ll also speak with your references and previous landlords, because relationships matter to us more than just scores assigned by a computer. Again, we want to know the real, full story, so we’re able to provide you with the best path to owning your home that we can put together.

We love helping great folks to reach their dreams, so don’t be afraidfill out the form below to get started!

START HERE: Apply Now for Pathway Properties!

To see available Cincinnati and Dayton homes enter your info below to get started!
  • Please select which metro area you'd like to see homes for - you can select more than one!
  • This field is for validation purposes and should be left unchanged.